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Wednesday, November 7, 2012

Metro PCS Insurance Guide

Metro PCS Insurance Guide

This post is based on helping people decide whether or not they need insurance on their Metro pcs phone. First step let's go over the pricing for insurance. Metro pcs charges $5 per month for insurance, no matter what kind of phone. There is also a deductable when you need a replacement on your phone. Here's how the deductible's work;

Well talk about the worth of adding insurance one tier at a time, let's start with the $19 tier. Any of the phone that are still available for purchase on this tier retail for $100 or less. I'm going to use one year for the time frame to make it easy. Let's say you needed one replacement in a year's time. This mean's between $5/month for insurance and deductible you will have spent $80 on that one replacement total. Which would make insurance worth it for the following devices:

$19 Tier:

-Samsung Admire (retail price $99.99.)

-ZTE Score (retail price $99.99.)

*I will only listed the phone's that are still available in store's.

Total for a year with one replacement on the $39 Tier is $100. The following phone's would be good to have insurance on this tier:

$39 Tier:

-LG Optimus m+ (retail price $149.99)

Total for a year with one replacement on the $69 tier is $130. The following phone's would be good to have insurance on this tier:

$69 Tier:

-ZTE Anthem (retail price $200 after $50 mail in rebate.)

Total for a year with one replacement on the $99 tier is $160. The following phone's should have insurance added:

$99 Tier:

-LG Connect (retail price $349.)

-LG Esteem (retail price $350.)

-Samsung Induldge (retail price $175.)

Total for a year with one replacement on the $129 tier is $190. The following would be good to add insurance:

$129 Tier:

-Samsung Galaxy S Lightray 4G (retail price $459.)

-Samsung Galaxy S III (retail price $500.)

As can be seen above the more expensive the phone the bettter it is to add insurance to your device. Device's like the Beacon, Pinnacle, Pinnacle 2, or Coolpad Quattro 4g are not suggestable to add insurance unless you are careless with your phone's and make multiple insurance claims a year. Where as a device like the Samsung Galaxy s3 should always have insurance added.